Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Rivertown Shores, St. Johns — a home near Bartram Trail High School.

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Active

Active·90 days on market·Rivertown Shores

187 Oakmoss Drive

St. Johns, FL 32259

$453,000Est. $2,336/moMLS# 2145241

Beds

Baths

Sq Ft

2026

Built

Garage

Pool

About this home

Rivertown Shores

This single-story Water Lily by Toll Brothers delivers an open-concept layout with zero wasted space, just beautifully connected living areas with LVP flooring throughout. Tray ceilings in the great room add volume and elegance, while stunning designer light fixtures elevate every space. The gourmet kitchen impresses with two-toned cabinets, an enhanced island, oversized pantry, and polished chrome fixtures- perfect for the home chef who loves to entertain. Retreat to your expanded primary suite featuring a tray ceiling and upgraded carpet, designed as a true private sanctuary. Two additional bedrooms offer flexibility for family, guests, or a home office. Step outside to your extended covered lanai with a privacy wall and exterior gas hookup- ideal for year-round outdoor living. Minimal yard maintenance means your free time is spent enjoying RiverTown's resort-style amenities: pools, fitness, trails, and waterfront recreation on the St. Johns River. Schedule a showing today!

Cost to own

Mortgage calculator

Home Price

$453,000

Down Payment: 20%

$90,600

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,336

Principal & Interest: $2,336

Property taxes (est.): $603

Insurance (est.): $302

Estimated Total Monthly

$3,241

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,336

Property taxesest. at asking price, St. Johns County$603

HOAbilled monthly$136

Estimated total, before insurance$3,075/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,759/yr · $313/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$100,000	$100,000	—

2025 property taxes (current owner): $3,759/yr

Estimated taxes if purchased at asking price: ~$7,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 12, 2026Price change$453,000−$43,000
Aug 11, 2026Price change$496,000−$1,000
Aug 3, 2026Price change$497,000−$1,000
Jul 14, 2026Price change$498,000−$1,000
May 14, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$453,000

Bedrooms3

Bathrooms2.00

Full Baths2

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Ranch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address187 Oakmoss Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Shores

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0007270220

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral, Electric, Zoned

CoolingCentral Air, Split System, Zoned

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)